Volkswagen Jetta Insurance Rates
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UPDATED: Jun 6, 2023
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How much is insurance for a Volkswagen Jetta? The average cost to insure a Volkswagen Jetta is $117 per month or $1,414 annually. Many factors impact your Volkswagen insurance rates. For example, the age of your Jetta model can cause your premiums to increase or decrease. The 2011 Volkswagen Jetta insurance rates will be lower than the 2016 Volkswagen Jetta insurance costs.
Your individual demographics will also impact the car insurance rates you receive for your Volkswagen Jetta. Experienced drivers with clean driving records usually secure the cheapest average insurance rates.
Whether your VW Jetta is old or new, read through our comprehensive guide to learn how to secure cheap car insurance rates for your Volkswagen. No matter your age or driving record, qualifying for discounts and comparison shopping can help every driver save money on insurance premiums.
To start comparison shopping for Volkswagen insurance rates, enter your ZIP code in our free tool to get affordable Volkswagen quotes.
U.S. average insurance rates for a Volkswagen Jetta are $1,364 a year including full coverage. Comprehensive costs an estimated $274, collision costs $502, and liability coverage costs around $430. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing around $2,956. Teen drivers pay the highest rates at $5,156 a year or more.
Average premium for full coverage: $1,364
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Jetta trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Volkswagen Jetta insurance prices go from as low as $486 for basic liability insurance to a much higher rate of $2,956 for a high-risk driver policy.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how where you live affects insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down estimated Volkswagen Jetta insurance rates for other coverage scenarios.
- The lowest rate with discounts is $788
- Using higher $1,000 deductibles will save approximately $176 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,364
- Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,706
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,956 or more
- The price for full coverage for a teenage driver with full coverage can cost as much as $5,156 or more
Auto insurance prices for a Volkswagen Jetta are also quite variable based on your driving record, the model of your Jetta, and liability limits and deductibles.
An older driver with a good driving record and high deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age
The state you live in has a huge impact on Volkswagen Jetta insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,950 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,234 | -$130 | -9.5% |
Alaska | $1,046 | -$318 | -23.3% |
Arizona | $1,132 | -$232 | -17.0% |
Arkansas | $1,364 | -$0 | 0.0% |
California | $1,554 | $190 | 13.9% |
Colorado | $1,304 | -$60 | -4.4% |
Connecticut | $1,404 | $40 | 2.9% |
Delaware | $1,544 | $180 | 13.2% |
Florida | $1,706 | $342 | 25.1% |
Georgia | $1,260 | -$104 | -7.6% |
Hawaii | $978 | -$386 | -28.3% |
Idaho | $922 | -$442 | -32.4% |
Illinois | $1,016 | -$348 | -25.5% |
Indiana | $1,026 | -$338 | -24.8% |
Iowa | $920 | -$444 | -32.6% |
Kansas | $1,296 | -$68 | -5.0% |
Kentucky | $1,860 | $496 | 36.4% |
Louisiana | $2,018 | $654 | 47.9% |
Maine | $842 | -$522 | -38.3% |
Maryland | $1,124 | -$240 | -17.6% |
Massachusetts | $1,092 | -$272 | -19.9% |
Michigan | $2,370 | $1,006 | 73.8% |
Minnesota | $1,142 | -$222 | -16.3% |
Mississippi | $1,632 | $268 | 19.6% |
Missouri | $1,212 | -$152 | -11.1% |
Montana | $1,466 | $102 | 7.5% |
Nebraska | $1,076 | -$288 | -21.1% |
Nevada | $1,634 | $270 | 19.8% |
New Hampshire | $984 | -$380 | -27.9% |
New Jersey | $1,524 | $160 | 11.7% |
New Mexico | $1,206 | -$158 | -11.6% |
New York | $1,436 | $72 | 5.3% |
North Carolina | $786 | -$578 | -42.4% |
North Dakota | $1,116 | -$248 | -18.2% |
Ohio | $942 | -$422 | -30.9% |
Oklahoma | $1,400 | $36 | 2.6% |
Oregon | $1,250 | -$114 | -8.4% |
Pennsylvania | $1,302 | -$62 | -4.5% |
Rhode Island | $1,820 | $456 | 33.4% |
South Carolina | $1,234 | -$130 | -9.5% |
South Dakota | $1,152 | -$212 | -15.5% |
Tennessee | $1,196 | -$168 | -12.3% |
Texas | $1,644 | $280 | 20.5% |
Utah | $1,010 | -$354 | -26.0% |
Vermont | $934 | -$430 | -31.5% |
Virginia | $816 | -$548 | -40.2% |
Washington | $1,056 | -$308 | -22.6% |
West Virginia | $1,250 | -$114 | -8.4% |
Wisconsin | $946 | -$418 | -30.6% |
Wyoming | $1,214 | -$150 | -11.0% |
Choosing high deductibles could cut prices by as much as $520 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $327 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can be around 43% to 131% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Volkswagen Jetta S 4-Dr Sedan | $1,246 | $104 |
Volkswagen Jetta LE 4-Dr Sedan | $1,324 | $110 |
Volkswagen Jetta S 2.5 Station Wagon | $1,208 | $101 |
Volkswagen Jetta SE 4-Dr Sedan | $1,364 | $114 |
Volkswagen Jetta 2.0T 4-Dr Sedan | $1,404 | $117 |
Volkswagen Jetta SE 2.5 Station Wagon | $1,288 | $107 |
Volkswagen Jetta SEL 4-Dr Sedan | $1,404 | $117 |
Volkswagen Jetta 2.0T Station Wagon | $1,328 | $111 |
Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Volkswagen Jetta | $274 | $502 | $430 | $1,364 |
2019 Volkswagen Jetta | $260 | $484 | $442 | $1,344 |
2018 Volkswagen Jetta | $250 | $450 | $452 | $1,310 |
2017 Volkswagen Jetta | $240 | $424 | $456 | $1,278 |
2016 Volkswagen Jetta | $230 | $380 | $460 | $1,228 |
2015 Volkswagen Jetta | $214 | $350 | $460 | $1,182 |
2014 Volkswagen Jetta | $206 | $328 | $464 | $1,156 |
2013 Volkswagen Jetta | $202 | $306 | $474 | $1,140 |
2012 Volkswagen Jetta | $186 | $284 | $474 | $1,102 |
2011 Volkswagen Jetta | $182 | $258 | $478 | $1,076 |
2010 Volkswagen Jetta | $170 | $236 | $474 | $1,038 |
2009 Volkswagen Jetta | $160 | $214 | $474 | $1,006 |
2008 Volkswagen Jetta | $154 | $192 | $468 | $972 |
2007 Volkswagen Jetta | $152 | $188 | $460 | $958 |
2006 Volkswagen Jetta | $150 | $178 | $452 | $938 |
2004 Volkswagen Jetta | $132 | $162 | $442 | $894 |
Rates are averaged for all Volkswagen Jetta models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Volkswagen Jetta Insurance
Getting lower rates on auto insurance requires being a low-risk driver, having good credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The items below are a quick review of the information touched on in the above illustrations.
- You may be able to save approximately $160 per year simply by shopping early and online
- Teen drivers are the costliest to insure, possibly costing $430 a month if they have full coverage
- Increasing physical damage deductibles can save around $525 each year
- Drivers with a DUI or reckless driving violation may pay on average $1,590 more annually to insure their Jetta
- Consumers who want more liability coverage will pay about $470 per year to increase from a low limit to 250/500 limits
Shopping around for VW Jetta insurance rates is the best way to find a cheap Volkswagen Jetta insurance cost at a VW Jetta insurance group. Whether you want to know how much is a Volkswagen Jetta S or how much does a 2017 Volkswagen Jetta cost to insure, getting quotes will make sure you get the best price possible.
So how much does a VW Jetta cost to insure based on your driving record and insurance needs? Enter your ZIP code in our free quote tool below to get started on finding the best Volkswagen Jetta rates.
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What are the safety ratings for the Volkswagen Jetta?
The Volkswagen Jetta safety ratings and features can have a major impact on your insurance rates. The Volkswagen Jetta’s safety features include a complete airbag system, brake assist, traction control, blind-spot monitor, cross-traffic alert, and more.
Keep in mind that an old Jetta car may not be equipped with cameras. Therefore, higher-tech versions of this car, like the 2015 VW Jetta costs for insurance, may be lower than older 2007 models that are not as technologically advanced.
Check out the safety ratings for the 2020 Volkswagen Jetta below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety.
While some of the safety ratings are fantastic and definitely help make the Jetta cheaper to insure, unfortunately, the headlights for the 2020 model received ratings of only marginal and poor, depending on the trim.
We recommend you make sure to check the safety ratings for your specific year and model of VW Jetta. A Volkswagen Jetta that is older, like the 2008 Jetta safety ratings, might be slightly different than the safety ratings for a Jetta CSL.
Remember that worse safety ratings will likely lead to higher car insurance rates.
Volkswagen Jetta Compared Against other Vehicles in the Same Class
Comparing the Volkswagen Jetta to similar vehicles can help you save money, especially if the Volkswagen Jetta has a better loss ratio than other vehicles in its class.
Officially, the Insurance Institute for Highway Safety classifies the Volkswagen Jetta as a midsize sedan.
Check out other comparable midsize sedans below.
Unfortunately, the VW Jetta has poor liability insurance losses in comparison to other midsize cars, which does mean higher average insurance premiums.
The Jetta has worse than average property damage and personal injury loss ratios at 26 percent and 24 percent respectively. It also received substantially worse than average medical payment and bodily injury loss ratios at 33 percent and 41 percent respectively.
The maintenance costs on a Jetta are also often pricier than average, which will impact your insurance rates. For example, the VW Jetta TDI cost to own is around $100 higher annually than average compared to other sedans.
Despite a few negatives, you now know why a Jetta is cheap to insure. Not only does this classic VW sedan have great safety ratings but it also has additional safety features that can be included to make for a better driving experience.
The lower premiums make it a good option for new drivers. The average insurance price for 16-year-old drivers is often much higher than average, but a safe and reliable car like the Jetta can help mitigate those increases. Consider finding a Volkswagen Jetta that is older for your teen driver.
Ready to find out how much is a Volkswagen Jetta to insure in your area? Whether you are shopping for a Volkswagen Jetta 2014 model or a 2020 model, enter your ZIP code in our free tool to find the cheapest rates.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,156 |
20 | $3,154 |
30 | $1,418 |
40 | $1,364 |
50 | $1,248 |
60 | $1,224 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,706 |
$250 | $1,548 |
$500 | $1,364 |
$1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,364 |
50/100 | $1,401 |
100/300 | $1,492 |
250/500 | $1,728 |
100 CSL | $1,437 |
300 CSL | $1,637 |
500 CSL | $1,783 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,344 |
20 | $5,024 |
30 | $3,016 |
40 | $2,956 |
50 | $2,824 |
60 | $2,798 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $72 |
Multi-vehicle | $72 |
Homeowner | $21 |
5-yr Accident Free | $99 |
5-yr Claim Free | $88 |
Paid in Full/EFT | $61 |
Advance Quote | $67 |
Online Quote | $96 |
Total Discounts | $576 |
Discounts are estimated and may not be available from every company or in every state.
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